Another costly mistake you may make when you are buying a

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SOCHI Authentic Paul Molitor Jersey , Feb. 23 (Xinhua) -- Austrian cross-country skier Johannes Duerr has been thrown out of the Sochi Winter Olympics after testing positive for EPO, in the fifth doping case of the Olympics.


"It is a black day for us," Austrian Olympic Committee President Karl Stoss said at a news conference on Sunday.


Duer tested positive on Feb. 16 in Austria where he had returned for training after finishing eighth in the men's skiathlon on Feb. 9. He had been scheduled to compete in the 50-kilometer mass start on Sunday.


It was announced early Sunday that Latvian ice hockey player


Vitalijs Pavlovs has tested positive for the banned substance


methylhexanamine and been kicked out of the Games.


The three other cases involved Ukrainian cross-country skier Marina Lisogor, German biathlete Evi Sachenbacher-Stehle and Italian bobsledder William Frullani.


Doping in previous Winter Olympics:


Vancouver 2010


Cross-country skier Kornelia Marek of Poland tested for EPO. Thirty other athletes were caught positive in the tests ahead of the Olympics.


Turin 2006


Russian biathlete Olga Pyleva tested for cardephone. Wolfgang Rottmann, Wolfgang Perner, Martin Tauber, Juergen Pinter, Johannes Eder and Roland Diethart were kicked out of the games after blood doping instruments were found in the Austrian cross-country ski and biathlon teams.


Salt Lake City 2002


Cross-country skiers Johann Muehlegg of Spain, Larisa Lazutina and Olga Danilova, both of Russia, all tested for the blood doping substance NESP. British alpine skier Alain Baxter tested for methamphetamine and a Belarussian ice hockey player was caught for nandrolone.


Austrian cross-country skiers Marc Mayer and Achim Walcher were disqualified after the games when blood doping instruments were found found in their rooms.


Nagano 1998


Snowboarder Ross Rebagliati of Canada tested for marijuana but kept his snowboard gold because marijuana was not fully forbidden.


Calgary 1988


Polish ice hockey player Jaroslav Morawiecki tested for testosterone.


Sarajevo 1984


Mongolian cross-country skier Batsuch Purewjal tested for methadone.


Innsbruck 1976


Soviet cross-country skier Galina Kulakova tested for ephedrine, Czechoslovakia ice hockey player Frantisek Pospisil for codeine.


Sapporo 1972


German ice hockey player Alois Schloder tested for ephedrine.

Finance > Insurance > Home InsuranceThe Five Mistakes You Want To Avoid When Getting A Home Mortgage Loan

Posted by nick_niesen in Finance on October 29th, 2010


Your home mortgage loan is the largest debt you will carry. Your home mortgage loan is also the highest bill you will pay each month. Avoiding mistakes when looking for a home mortgage loan can make you a smart and happy homeowner with more money in your pocket each month.


First mistake


The first mistake you can make is not looking for the best home mortgage loan rates you can find. There are so many lenders that want your business, and taking the time to find out the best rates is time well worth spent. When you find a competitive rate, you may find that not only do you save money each month, but just think of the savings you will enjoy over the life of the home mortgage loan.


Second mistake


A mistake many new homeowners make when searching for a home mortgage loan is not checking their credit history before applying. Many times there are mistakes on your credit report that could affect the rate you are offered, and taking the time to take care of those problems before putting in your application with a mortgage lender, can save you time and aggravation in the long run.


Third mistake


Another costly mistake you may make when you are buying a new home is spending too much money and not being able to handle the payments each month. Before you decide the purchase price of a home you can afford, you will need to sit down and take a look at your monthly expenses and bills to see what type of payment you can easily afford each month. Lots of times after you buy a new home, something will go wrong and you may have to pay for costly repairs. This can be difficult if you are carrying a home mortgage loan that is too high for you. It can also make your life miserable if you have to worry each month about how you are going to make the mortgage payment.


Fourth mistake


Before you are ready to make a bid on the house of your dreams, be sure you are pre-approved for a home mortgage loan. When a lender looks at your current financial picture, they can decide on a cap for your loan. This makes it easier to make an offer when you are ready as you will already have the financing set up.


Fifth mistake


Never agree to a pre-payment penalty fee. A home mortgage loan given to a borrower who has a poor credit rating can charge sometimes as much as thousands of dollars for those who pay off the loan in the first few years of owning their home. Many times the reason that people pay off a mortgage early is that you have found a more attractive interest rate that will put more money in your pocket each month. Keep this in mind, and read the small print before signing on the dotted line to ensure you are not agreeing to this practice.

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